| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $452 | $452 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 0.02% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $118 | $33K | 13.05% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $118 | $35K | 20.07% |
| EVELYN P CORBETT Filed as: EVELYN PASLAY CORBETT | 2045 CLAYTON ROAD TUPELO, MS 38804 | METLIFE INSURANCE COMPANY | $27K | — | $27K | 17.99% |
| EDWIN DEREK PEARCE | 206 CRIGHTON RDG. BOSSIER CITY, LA 71111 | METLIFE INSURANCE COMPANY | $3K | — | $3K | 1.71% |
| RAMONE S PEARCE | 432 GULDE RD. BRANDON, MS 390429636 | METLIFE INSURANCE COMPANY | $2K | — | $2K | 1.64% |
| EVELYN P CORBETT3 | LEA PASLAY INSURANCE INC. 139 BENTGRASS CIRCLE SALTILLO, MS 38866 | CIGNA | $20K | — | $20K | 13.29% |
| EVELYN P CORBETT3 | LEA PASLAY INSURANCE INC. 139 BENTGRASS SALTILLO, MS 38866 | MUTUAL OF OMAHA | $2K | — | $2K | 6.49% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,623 | $302K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 704 | $249K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,583 | $176K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,016 | $340K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,623 | $658K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,623 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.